Accounting & Finance Guide
Dentists are among the most fundable small business owners in the country. High revenue, loyal patient bases, low default rates — lenders know this. But getting the right financing still requires knowing which programs fit each stage of a dental career, and what lenders actually need to see before they approve.
This guide covers the full range of dental practice financing. Whether you’re buying your first solo practice, expanding an existing one, or financing a $150,000 CBCT scanner, we’ve broken it down by use case so you can find what applies to your situation.
At eBoost Partners, we work with dentists at every stage — associates ready to go independent, group practices looking to add locations, and established owners refinancing into better terms. The pages below cover each financing type in detail.
Jacob Shimon is a professional finance writer at eBoost Partners with over seven years of experience in the commercial lending industry. A graduate of the University of Florida’s Warrington College of Business with a degree in Finance, he specializes in breaking down complex business lending topics to help entrepreneurs make smart, informed decisions.
See full bioDental practice loans
Practice loans are the most common financing dentists use — for acquisitions, startups, expansions, and working capital. This page covers how dental practice loans work, what specialty lenders (Live Oak, Provide, Bank of America Practice Solutions) actually look for, how student debt affects underwriting, typical rates from 6–9%, and a real-world example of an associate buying a solo practice for $1.1M with 90% financing. If you’re trying to understand the full loan picture, start here.
Dental equipment financing
CEREC machines, CBCT scanners, digital X-ray systems, and laser units are major capital investments — and most dentists finance them separately from the practice loan. This page covers vendor financing programs (Dentsply Sirona, Patterson Dental), equipment-specific lenders, typical terms from 3–7 years, and how to structure equipment financing without disrupting your practice’s existing credit lines. Coming soon.
How to buy a dental practice
Acquiring an existing practice is almost always more fundable than starting from scratch. But the deal structure matters — valuations, seller financing, goodwill allocation, and transition agreements all affect how lenders underwrite the loan. This page walks through the acquisition process from LOI to close, what a dental practice is actually worth (60–80% of gross revenue is the standard range), and how to approach lenders with a deal that gets approved. Coming soon.
Read: how to buy a dental practice
SBA loans for dentists
SBA 7(a) loans are a strong option for practice acquisitions, especially when seller financing is part of the deal. The $5M maximum, flexible collateral requirements, and 10-year repayment terms make them worth considering alongside specialty dental lenders. This page covers eligibility, how to work with an SBA-preferred lender, turnaround times, and when an SBA loan beats a conventional dental practice loan. Coming soon.
Disclaimer: The information in this article is for educational and informational purposes only and does not constitute financial advice. All funding products, rates, and terms are provided by eBoost Partners and are subject to application, credit approval, and our current underwriting criteria. Rates and terms are subject to change without notice.